> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nelsonandassociatesinc.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Umbrella insurance

> Extra liability protection that sits above your home and auto policies.

**Umbrella insurance** (personal umbrella) adds liability limits **above** your underlying homeowners (or renters) and auto policies.

## What it’s for

Serious lawsuits and large injury claims can exceed standard auto or home liability limits. An umbrella is designed for that gap — it does not replace your primary policies.

Carriers usually require minimum underlying liability limits before they will issue an umbrella.

## Who considers it

People with higher assets, teenage drivers, pools, or trampolines often review umbrella coverage — but the decision is personal. An agent can explain whether it fits your risk, not sell fear.

## Next step

Want to review liability stacking? A licensed agent calls during business hours (**Mon–Fri 9–5 CT**):

* [Auto / home / life quote](https://nelsonandassociatesinc.com/quote?utm_source=docs\&utm_medium=referral\&utm_campaign=umbrella-insurance)
* [Small business / commercial](https://nelsonandassociatesinc.com/commercial?utm_source=docs\&utm_medium=referral\&utm_campaign=umbrella-insurance)